Standalone Own-Damage Car Insurance

Bajaj General Standalone Own-Damage Car Insurance is designed to protect the insured vehicle against covered physical damage without bundling third-party liability into the same policy. The insurer lists protection for accidental damage and collisions, fire and explosion, theft, and specified natural or man-made events such as floods, cyclones, earthquakes, riots and vandalism. Eligible damage while the vehicle is in transit may also be covered under the applicable policy wording. Customers can customise protection with available optional covers, which may include zero depreciation, consumables, engine protection, roadside assistance, tyre safeguard and No Claim Bonus protection. The official website advertises a starting premium of ₹2,094, but the final price depends on vehicle make and model, age, location, insured declared value, claim history, NCB and selected covers. A separate valid third-party liability policy is required.

Standalone own-damage cover is useful for car owners who want to insure their own vehicle separately from third-party liability. Before purchasing, verify that the third-party policy remains valid, select an appropriate insured declared value and compare the deductible, exclusions, repair process and add-on conditions. A higher IDV can affect premium and potential total-loss settlement, while depreciation and deductibles may affect admissible repair claims. Optional covers can reduce certain out-of-pocket expenses, but only for losses specifically covered by their wording. The advertised starting premium is not a guaranteed quote for every vehicle. Review the official policy schedule and wording before making a purchase.